A new survey by the Employee Benefit Research Institute in Washington breaks down views of the healthcare reform law based on the type of insurance the individuals have.
Interestingly, people with consumer-driven health plans and high-deductible health plans are more likely to think the new law will affect them, compared to those with traditional healthcare coverage.
Nearly one-half (46 percent) of those with CDHPs and about four in 10 (42 percent) of those with HDHPs expect a mostly negative impact from the Patient Protection and Affordable Care Act of 2010, compared to 37 percent of traditional-plan enrollees.
Paul Fronstin, a senior research associate at EBRI, which is nonpartisan, says it could be party affiliations driving the difference. Those with CDHPs, he says, are more likely to be Republicans while those with traditional plans are Democrats.
But , regardless of plan type, many individuals expect their costs to increase under the PPACA: 59 percent of those with CDHPs, 50 percent of those on traditional plans and 41 percent of those with HDHPs.
A significant number also expect benefits to be cut: 41 percent of those with a CDHP, 39 percent of those with a HDHP and 30 percent of those with traditional plans. And about one-third of all the respondents expect a mostly negative impact on quality of care.
Some of the negative feelings may have to do with the fact that Health Savings Accounts and Flexible Savings Accounts no longer allow individuals to purchase over-the-counter drugs with those funds, Fronstin says. The law also increases the tax for using HSA monies for non-qualified purchases.
For HR, the takeaway is to focus on educating workers about the impact of health reform on their benefits, Fronstin says.
As the EBRI survey notes, fewer than 5 percent of the individuals surveyed — regardless of type of health insurance — say they are extremely knowledgeable about the law.
The study was based on an August 2010 online survey of 4,508 privately insured adults between the ages of 21 and 64.